Unlock the Freedom You Deserve With a Reverse Mortgage You Can Trust
Access up to 55% of your home’s value, tax-free, while continuing to live in your home. Perfect for Canadians 55+ looking to enjoy a more comfortable retirement.
Getting a Reverse Mortgage in Surrey, BC
You have spent decades building equity in your home, and now it is time for that investment to give back.
A reverse mortgage lets Canadian homeowners aged 55+ access up to 55% of their home’s value, completely tax-free, while maintaining full ownership and control.
Whether you need extra income for daily comfort, want to help your family financially, or simply want to enjoy more of your retirement, a reverse mortgage can help make it happen, without monthly payments or the stress of selling your home.
- Access Your Home Equity Without Selling
- No Monthly Mortgage Payments Required
- Strengthen Your Retirement Income
How a Reverse Mortgage Works
Unlike a traditional mortgage, you don’t make monthly payments on a reverse mortgage. Instead, the interest is added to your balance over time, and the loan is repaid when you decide to sell your home, move, or your estate settles the balance.
The amount you qualify for depends on:
- Your age (must be 55 or older)
- Your home’s appraised value
- Location and type of property
- Your current mortgage or lien balance
Example:
A 68-year-old homeowner in Surrey with a $1,000,000 home and no mortgage could access up to $500,000 in tax-free cash, all while keeping full ownership of their home without ever having to make a payment.
Step 1: Assessment & Appraisal
We will evaluate your home’s value and show you how much equity you can access.
Step 2: Tailored Solutions
Compare reverse mortgage options from Canada’s top lenders. We will help you choose the right one for your needs.
Step 3: Receive Your Funds
Once approved, the money is deposited directly to you as a lump sum, monthly income, or line of credit.
“We help our clients understand when a reverse mortgage makes sense and when it doesn’t. My goal is to protect your equity and ensure your comfort.”
Ruby Bains
Mortgage Broker, RB Mortgages
A Reverse Mortgage is Not One-Size-Fits-All. That’s Why You Need an Expert
At RB Mortgages, we are not tied to any one bank or lender. That means you get unbiased advice, a clear comparison of your options, and a professional who explains everything. No surprises and no sales pressure.
- Personalized one-on-one service
- Transparent comparison reports with real numbers
- Honest advice focused on your goals, not commissions
Common Reverse Mortgage Misconceptions
“I’ll lose ownership of my home.”
You stay on title and remain the full legal owner of your home.
“So… the bank will take my house.”
You or your estate decides when and if to sell, not the lender.
“What if I owe more than my home is worth.”
Canada’s major reverse mortgage lenders include a No Negative Equity Guarantee. You will never owe more than your home’s fair market value.
“Is it only for people in financial trouble?”
Many clients use reverse mortgages strategically for investments, renovations, or helping family members.
What Our Clients Say
See How Much You Could Qualify For
Your home’s equity could be working for you right now. We will personally assess your options, answer all your questions, and guide you through the process with no pressure or obligation.
Serving clients across British Columbia and Alberta. Licensed, independent, and dedicated to helping Canadians retire with confidence.